Civic Intelligence

Pakini Loan Fund

EIN 92-3039687 • Waianae, HI

Pub. 78 EligibleNTEE S30

Profile

The pakini loan fund's mission is to provide responsible, flexible financing to underserved borrowers, supporting sustainable economic growth, financial resilience, and long-term community impact. Through disciplined lending and borrower-centric programs, pakini aims to bridge capital gaps while promoting prudent financial stewardship.

PO Box 27Waianae, HI 96792

pakiniloanfund.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

86th percentile

0.73x

Higher debt load relative to assets than 86% of similar nonprofits.

NTEE S30 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

97th percentile

3.26x

Higher debt load relative to revenue than 97% of similar nonprofits.

NTEE S30 • <$500k nonprofits • Source year 2024

Net Margin

97th percentile

99%

Higher net margin than 97% of similar nonprofits.

NTEE S30 • <$500k nonprofits • Source year 2024

Top Officer Pay

82nd percentile

$0

Higher top officer pay than 82% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

NTEE S30 • <$500k nonprofits • Source year 2024

Asset Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2024

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2024

Assets

$459,265

No earlier filing loaded for comparison.

Liabilities

$333,551

No earlier filing loaded for comparison.

Net Assets

$125,714

No earlier filing loaded for comparison.

Revenue

$102,310

No earlier filing loaded for comparison.

Expenses

$1,484

No earlier filing loaded for comparison.

Net Income

$100,826

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

Grouped bars show assets, liabilities, and net assets across loaded filings.

$600K$400K$200K$0Assets 2024: $459,265Liabilities 2024: $333,551Net Assets 2024: $125,7142024

Highlighted filing

2024

Assets$459,265
Liabilities$333,551
Net Assets$125,714

Operations Trend

Revenue, expenses, and net income by year, with the latest filing highlighted.

$150K$100K$50K$0Revenue 2024: $102,310Expenses 2024: $1,484Net Income 2024: $100,8262024

Highlighted filing

2024

Revenue$102,310
Expenses$1,484
Net Income$100,826

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$4.59$3.34$1.26$1.02$0.01$1.01
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Oct 1, 2023 to Sep 30, 2024
Signed
Feb 25, 2026
Return Version
2023v6.0
Gross Receipts
$102,310
Mission and Program Overview

Mission

The pakini loan fund's mission is to provide responsible, flexible financing to underserved borrowers, supporting sustainable economic growth, financial resilience, and long-term community impact. Through disciplined lending and borrower-centric programs, pakini aims to bridge capital gaps while promoting prudent financial stewardship.

Program Services

DescriptionGrantsExpenses
PROVIDES TERM LOANS AND WORKING CAPITAL SOLUTIONS TO SMALL AND GROWING BUSINESSES. THIS PROGRAM IS DESIGNED TO SUPPORT BUSINESS EXPANSION, STABILIZE CASH FLOW, AND CREATE OR RETAIN JOBS, PARTICULARLY IN UNDERSERVED MARKETS.-$495
OFFERS SMALL BUSINESS DEVELOPMENT TECHNICAL ASSISTANCE AND TRAINING ON VARIED TOPICS INCLUDING SMALL BUSINESS FINANCE, BUSINESS DEVELOPMENT, CAPITAL ACQUISITION AND PERSONAL AND BUSINESS CREDIT BUILDING WITH FOUNDATIONAL UNDERSTANDING.-$495
CURATES SMALL BUSINESS KNOWLEDGE TO SUPPORT DEVELOPMENT INITIATIVES TO THE COMMUNITY PAKINI SERVES. COMMUNICATING THEIR NEEDS TO PAKINI, STAFF WILL THEN SUPPORT THE CLIENT WITH ACCESS TO RESOURCES, CREATE ACTIONABLE PLANS AND PROVIDE REGULAR CHECK-IN TO MONITOR AND SUPPORT CLIENT PROGRESS.-$494
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
JOSPEH LAPILIOPresidentPT$0--
ANNIE FERRERIRATreasurer-$0--
VERNA LANDORDSecretary-$0--
CROCCIFIXIO MAKANI CRABBEDirector-$0--
CARRYSSA KRZYSKADirector-$0--
WAYNE THOMDirector-$0--
LEI RIEDELExecutive DiFT$0--
Filing and Contact Details

Filer

Filer Name
Pakini Loan Fund
EIN
92-3039687
Phone
8084584093
Address
PO BOX 27, WAIANAE, HI 96792

Signing Officer

Name
Lei Riedel
Title
Executive Director
Phone
8084584093
Signed
2026-02-25
Discuss with paid preparer
Yes

Preparer

Firm
Carbonaro Cpas & Management Group
Address
1885 MAIN ST STE 408, WAILUKU, HI 96793
Preparer
Gretchen Kremeyer
Phone
8082425002
Supplemental Narrative

Additional Explanations

Form 990-ez, Part I, Line 16

Expenses bank fees 397 supplies 46 travel 879 total 1,322

Form 990-ez, Part II, Line 24

Program receivables 63,500 266,954 total 63,500 266,954

Form 990-ez, Part II, Line 26

Mortgage and other notes payable 314,994 333,551

Form 990-ez, Part III

The pakini loan fund's mission is to provide responsible, flexible financing to underserved borrowers, supporting sustainable economic growth, financial resilience, and long-term community impact. Through disciplined lending and borrower-centric programs, pakini aims to bridge capital gaps while promoting prudent financial stewardship.

Form 990-ez, Part III, Line 28

Provides term loans and working capital solutions to small and growing businesses. This program is designed to support business expansion, stabilize cash flow, and create or retain jobs, particularly in underserved markets.

Form 990-ez, Part III, Line 29

Offers small business development technical assistance and training on varied topics including small business finance, business development, capital acquisition and personal and business credit building with foundational understanding.

Form 990-ez, Part III, Line 30

Curates small business knowledge to support development initiatives to the community pakini serves. Communicating their needs to pakini, staff will then support the client with access to resources, create actionable plans and provide regular check-in to monitor and support client progress.

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This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990EZ/PrimaryExemptPurposeTxt0THE PAKINI LOAN FUND'S MISSION IS TO PROVIDE RESPONSIBLE, FLEXIBLE FINANCING TO UNDERSERVED BORROWERS, SUPPORTING SUSTAINABLE ECONOMIC GROWTH, FINANCIAL RESILIENCE, AND LONG-TERM COMMUNITY IMPACT. THROUGH DISCIPLINED LENDING AND BORROWER-CENTRIC PROGRAMS, PAKINI AIMS TO BRIDGE CAPITAL GAPS WHILE PROMOTING PRUDENT FINANCIAL STEWARDSHIP.
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0EXPENSES BANK FEES 397 SUPPLIES 46 TRAVEL 879 TOTAL 1,322
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1PROGRAM RECEIVABLES 63,500 266,954 TOTAL 63,500 266,954
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MORTGAGE AND OTHER NOTES PAYABLE 314,994 333,551
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE PAKINI LOAN FUND'S MISSION IS TO PROVIDE RESPONSIBLE, FLEXIBLE FINANCING TO UNDERSERVED BORROWERS, SUPPORTING SUSTAINABLE ECONOMIC GROWTH, FINANCIAL RESILIENCE, AND LONG-TERM COMMUNITY IMPACT. THROUGH DISCIPLINED LENDING AND BORROWER-CENTRIC PROGRAMS, PAKINI AIMS TO BRIDGE CAPITAL GAPS WHILE PROMOTING PRUDENT FINANCIAL STEWARDSHIP.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4PROVIDES TERM LOANS AND WORKING CAPITAL SOLUTIONS TO SMALL AND GROWING BUSINESSES. THIS PROGRAM IS DESIGNED TO SUPPORT BUSINESS EXPANSION, STABILIZE CASH FLOW, AND CREATE OR RETAIN JOBS, PARTICULARLY IN UNDERSERVED MARKETS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5OFFERS SMALL BUSINESS DEVELOPMENT TECHNICAL ASSISTANCE AND TRAINING ON VARIED TOPICS INCLUDING SMALL BUSINESS FINANCE, BUSINESS DEVELOPMENT, CAPITAL ACQUISITION AND PERSONAL AND BUSINESS CREDIT BUILDING WITH FOUNDATIONAL UNDERSTANDING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6CURATES SMALL BUSINESS KNOWLEDGE TO SUPPORT DEVELOPMENT INITIATIVES TO THE COMMUNITY PAKINI SERVES. COMMUNICATING THEIR NEEDS TO PAKINI, STAFF WILL THEN SUPPORT THE CLIENT WITH ACCESS TO RESOURCES, CREATE ACTIONABLE PLANS AND PROVIDE REGULAR CHECK-IN TO MONITOR AND SUPPORT CLIENT PROGRESS.
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